3105 Penbrook AveHarrisburgPA17109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3105 Penbrook Ave, Harrisburg, PA, 17109 in Harrisburg speaks for itself: 14.22% gross on a $272,900 price, generating $3,234/mo in rent and $1,446/mo in net income after the $1,227/mo debt service. DSCR 2.64, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,349 stacks alongside $75,397 in projected five-year appreciation and $2,513/yr in principal reduction. Projected total cumulative return: $196,977.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.2% | 7.2% |
| Monthly Cash Flow | $1,446 | $450 |
City averages based on Harrisburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,234 |
| Total Monthly Debt Service | $1,680 |
| DSCR Ratio | 1.93x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1950
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17109, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,172 (100%) |
| Owner Occupied HU | 5,464 (48.9%) |
| Renter Occupied HU | 4,971 (44.5%) |
| Vacant Housing Units | 737 ( 6.6%) |
| Median Home Value | $226,705 |
| Average Home Value | $296,110 |
Housing Distribution
Address Breakdown
Residential
10,606
Single Family
8,123
Multi-Family
2,483
Businesses
750
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1950
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17109, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,172 (100%) |
| Owner Occupied HU | 5,464 (48.9%) |
| Renter Occupied HU | 4,971 (44.5%) |
| Vacant Housing Units | 737 ( 6.6%) |
| Median Home Value | $226,705 |
| Average Home Value | $296,110 |
Housing Distribution
Address Breakdown
Residential
10,606
Single Family
8,123
Multi-Family
2,483
Businesses
750
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices